While the industry is clamoring for knowledge the specifics will be unknown for another year or more in some cases. But some of the areas in which process changes will be demanded, and current technology likely falls short, are already easy to spot: mortgages, risk management, and core systems

After years of mostly laments about aging systems, there's some good anecdotal evidence of banks forging plans to migrate from their 30-year-old (or older) core systems to more modern and flexible architecture, or to find new ways to inject flexibility into the legacy core